Protect your income

Our income protection insurance pays a monthly income if you can’t work due to illness, injury or disability. It’s especially helpful for the self-employed.

Our life assurance options will help protect your business loan or mortgage

Income-protection insurance provides you with a monthly income if you can't work due to illness, injury or disability. It's indispensable if you're self employed. This insurance is commonly taken out alongside a life insurance policy.

How income protection insurance works

Income protection insurance is taken out by individuals, and any benefits are payable to them. We’re an independent broker, so we’ll go to the market to find the right insurer and the right income protection policy for you, at a competitive price. Terms & conditions will vary, according to the insurer, but we’ll discuss your best options with you. Please contact us/a> for an initial, no-obligation chat.

  • You don’t need to have a mortgage to protect your income
  • This cover will pay out until you’re able to return to work, reach retirement age or die
  • You’re covered to a percentage of your annual income (including benefits) – commonly 50%*
  • Your monthly income payments can be fixed, or index-linked to increase by a fixed percentage each year
  • You have the option to fix your premiums throughout the policy term, regardless of your claims history
  • Payments are deferred for a pre-agreed period; during this time, you’ll be expected to cover your loss of income from other sources
  • Terms & conditions vary, according to the insurer; we’ll discuss your best options with you.

* If self-employed, your income is your trading profits for the last tax year.